Surely this is something for businesses to sort out and not the nanny state governments?
Educating the nation about the risks of buying online and the protection that should be taken (credit cards etc) is one thing, but I fail to see how this falls into anyones remit.
The Customer should be the one that drives forward the change in the way business operate. If a customer doesn't get their goods/like the service they should (and will) shop elsewhere. The result is that the good survive and the bad fade away.
It is a fairly well established fact that Customer Service costs money and people don't like to pay. Companies that have good customer service may charge a bit more but then they sort things out when mistakes are made.